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A smartphone is good to have,  I am writing this article on phone because I have this luxury.  But I am hungry because I don’t have money today.  My bank card is not working. Couple of times I gone to gold shops,  asked rate and then thought if prices go down,  I will loss. I decided to watch market trends before I truly buy.  Of course that never happened. I live alone,  no family behind,  if I may have few gold coins at least it may have some value today.  You do not repeat the same mistake that I did for years.  Buy it in small quantity,  invest periodically.  Keep some gold in your wallet before chosing that smartphone. Things happened like this A night before I was having less than 100 that spend on food. Today in the afternoon I felt hungry, think of to go bank ATM,  get some money and buy a cup of tea. Heck machine said,  unable to dispense cash,  please contact your branch. ...